Some form of car insurance is required in all states. But there are different kinds and levels of coverage, and it’s up to you to purchase the coverages you need. Here’s a quick look at the coverages car insurance rates may include, and how they protect you.
Medical Payments / Personal Injury Protection
This coverage applies to medical expenses up to policy limits for anyone injured while in your vehicle, regardless of who is at fault.
Uninsured / Underinsured Motorists
If you're in an accident caused by someone who doesn't have insurance, or not enough, Uninsured/Underinsured Motorist coverage protects you and other passengers in your vehicle, up to your policy limits.
This is what most people think of when they think about what’s included in their car insurance rates. When included in your policy, Collision applies if your car rolls over, is hit by another car, or hits another car or object, minus your deductible.
You may purchase this coverage to protect your car if it is stolen or damaged by something other than collision, such as fire, vandalism, or hail. A deductible applies.
Car insurance rates will vary depending on the coverages and policy limits you choose, as well as the deductible you select based on your personal situation.
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